I have the same problem with NCO. I had 3 CC accounts listed on my CR, for Vict. Secret, Express, and the Limited. I called WFNNB to find out what I could do to pay them... they told me those accounts had been sold to NCO, and gave me their number.
I looked on my CR, and low and behold, there are 3 inquiries from them from last Nov. 2007. Instead of calling them, I sent a DV letter CMRRR to the address shown on my CR. According to the USPS website tracker thing, they received it today!
My strategy is basically to DV them first, since they are out of SOL to sue, and I want to know what I owe them first, in total. I figure, at the very least, once they validate, I can GW the OC's to remove the original accounts, then only have that one CO from NCO. I will then PFD them.
Does this sound like a good plan? Do you think WFNNB would go for the GW to delete the accounts once they are paid through NCO? Or what would be the best way to increase score? Maybe make sure they are marked paid, or remove lates only? They are my oldest accounts, but since they're bad, they are hurting me. Would deleting them hurt more?
Advice?............Thanks!